5470 Shale Dr, Troy, MI 48085 Property Records

Oakland County property record for 5470 Shale Dr, Troy, MI 48085

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,500 sqft · built 1997
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$424,000 (Jul 2019)
Tax Bill	$6,129 (2025)
Deeds & Mortgages	May 2020 Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`88-20-12-426-008`

Property Details

APN / Parcel Number

Primary APN	`88-20-12-426-008`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	2,500 sqft Living Area
1st Floor Area	1,189 sqft
Basement Area	1,189 sqft
Unfinished Basement	1,189 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Colonial
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	131 ft deep x 76 ft wide
Garage Area	631 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	74 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	5470 SHALE DR
City	TROY
State	MI
Zip	48085-3973
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	T2N, R11E, SEC 12 STONECREST SUB NO 1 LOT 27 1-2-96 FR 426-006
Legal Range	11E
Legal Township	2N
Legal Section	12
Legal Subdivision	STONECREST SUB #1
Legal Lot Number	1,27
Jurisdiction	OAKLAND MI
Township / Civil Division	TROY
Census Block Group	3
Census Block	3010
Census Tract	196000

Owner

5470 Shale Dr is owned and occupied by two individuals who bought it in July 2019.

Source: Oakland County records, as of May 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5470 SHALE DR, TROY, MI 48085-3973
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Jul 30, 2019	Warranty Deed, Transfer · Conventional Mortgage STAUNTON FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2019 · Amount on File
Deed Sale	Jul 30, 2019 · Amount on File
Prior Sale	Jan 16, 1998 · Amount on File
Deed Document Number	2019121917
Deed Book / Page	53082 / 402
Prior Transfer Date	Oct 12, 2007
Prior Transfer Doc	0000223479
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	5470 SHALE DR, TROY, MI 48085-3973
Document Number	0000104204
Instrument Date	May 23, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5470 SHALE DR TROY MI 480853973, TROY, MI 48085-3973

Mortgage

Document Number	0000104204
Date	May 29, 2020
Book Page	054277/000257
Instrument	104204

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 28, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jul 30, 2019
Property Address	5470 SHALE DR, TROY, MI 48085-3973
Document Number	0000121917
Book / Page	53082 / 00402
Map Reference	LB 242 PG 36
Instrument Date	Jul 26, 2019
Instrument	121917
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,646.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5470 SHALE DR, 5470, TROY, MI 48085-3973

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5470 SHALE DR, TROY, MI 48085-3973

Mortgage

Document Number	5308200408
Date	Jul 30, 2019
Instrument	53082/00408

Lender

Name	STAUNTON FINANCIAL INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 5470 Shale Dr was $6,129 with a homeowner's exemption.

Source: Oakland County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
Municipality	Troy City
Unified School District	Troy School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,129.00
2023			$367,580
2022	$6,375.00	$183,790

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 5470 Shale Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 8, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 5470 Shale Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TROY serves 85,854 people · EPA ID MI0006690
Water Source	Purchased surface water from GREAT LAKES WATER AUTHORITY
Last State Inspection	Dec 2023
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 400 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Cable	1,200 / 50
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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